If 2011 wasn't your year, now is the time to turn things around for 2012. We asked seven personal finance experts for tips about credit cards, cutting debt and saving for retirement

If your holiday shopping debt has added to the mountain of your long-term debt, it's time to tackle your finances. Here are some quick fixes and, if necessary, some painful remedies to get your credit card debt under control

Most people look forward to retirement as 'the golden years' — a time to finally relax and enjoy life. But if you don't tend to your credit in the meantime, you could find yourself in serious financial trouble

What stands in our way of achieving happiness? A new book on consumer research looks at how we can live more wisely and make better decisions as consumers. Here, we chat with University of Virginia professor Amar Cheema about the book's chapter on spending and debt.

Ever wonder how your preschooler will fare when he or she grows up? To get a hint of whether he or she will successful and affluent or end up with financial problems and bad credit, try the marshmallow test.